Trade Financing Management System Problem And Countermeasure Research Of Bank M

In the social economic transition, Bank M came up with the business transformation, a clear positioning in the market and determined to do service for private enterprises, small and medium enterprises and large-scaled individual customer’s after the development in fifteen years. This is not only an innovation in the field of Chinese commercial bank, but also a strategic decision, which will make Bank M thoroughly remould itself, and become a more competitive bank to create much value for the society more effectively. In order to realize the strategic transformation, Bank M put forward the idea of "trade financing " which is the service brand of supply chain financing in good time as one of the tools to achieve transformation, thus solve the stubborn problems of the difficulty in private enterprises financing in the traditional business mode, make rapid expansion in the group of the private enterprises and drive the all-round development of various business.During the process of practicing in the development of Bank M trade financing business recently, Bank M designed many financial service schemes to meet different needs of customers and the requirements of risk control creatively, and have a good effect in the market, build a sincere, professional, rigorous, wisdom, flexible image of Bank M in the minds of customers. But at the same time, Bank M also encountered some difficulties and obstacles, so we need to re-examine the gain and loss in products, programs, processes, risk prevention and control system of Bank M trade financing business from practice and different angles comprehensively, summed up the successful experience and shortage in the development of trade financing, and put forward the feasible operation program for the development of Bank M trade financing business and practice of private enterprises’ strategy.The paper is based on Bank M trade financing management system, referencing the existing financial theory of the trade financing and combining with the working practice, find the existing problems in the development of business thorough further investigation and study, analysis the reason of the problems, in order to put forward the direction and strategy. This paper emphasis on the practice research and only do some simple conceptual description of the common bank financial products without much saying. This article pay much attention to the problem of management system in Bank M trade financing such as management structure, product, human resource, and risk.